"But if you play hardball with a $3M company, then they're only going to keep you until they can outsource your job away."

They're going to do that anyway.

"You're directly affecting company viability by not being willing to leave some money on the table."

If my extra $5k is the difference between live and die, then the company was failing anyway, and I should take as much as I can before the company closes, to tide me over while I look for a new job.